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Injury Claims and Compensation

With the statistics showing us that the amount of accidents are constantly rising it is no wonder that so many people are in a position to need insurance claims advice. Claiming insurance is no light or easy matter in many cases, especially if it is something like a car accident where the person injured has no idea if a claim is actually justified.

Basically, in the case of injury from an accident, the amount of disability the injured person ends up with has to add up to at least 10according to assessments done by various health care professionals. So if there are several injuries such as a broken hand, a broken collarbone, and perhaps facial injuries that could cause the victim to have numbness and tingling in his or her face that will not heal due to nerve damage, these are given a percentage and then they are all added up. It the total figure comes to 10or more then something is payable and the amount awarded will depend on the percentage. However the victim must claim before three months from the date of the accident has passed.

Income protection claim are a little different. If a person cannot work due to their injuries or illness there is no percentage factor to estimate. The length of the waiting time between the event and the payment will depend on the wording of the contract. It could be from 2 weeks to 2 years. The payment for this type of claim comes in instalments rather than a lump sum, and the length of time it is paid for once again depends on the contract. It may be paid for a length of 2 years or right through until retirement.

Disability claims are usually paid in a lump sum. These are often part of a life insurance package and if total and permanent disability occurs to the insured then he or she will be paid the agreed amount so long as the premiums have been paid on a regular basis.

There has to be a level playing field. It is not fair that insurance companies with their mega millions of dollars of resources can use every means at their disposal to avoid paying genuine claims. You can help to level that playing field by using an expert to manage and assist you with your claim. This gives you the best chance of having your claim accepted promptly and payments continuing on time while ever you are sick or injured, unable to work and at your most vulnerable.

Article Source: http://www.articlesbase.com/insurance-articles/injury-claims-and-compensation-4638898.html

Claims advisor helps people looking for advice on how to go about making claims and what potholes they should keep and eye out for. He has been working in this field for a very long time and started writing in order to shed some light on exactly how things work in this field.

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